Saturday, January 1, 2022

I Am Now Beating Gold By 8.45% Per Year For The Past 15.13 Years

The table below shows the dates and amounts of all deposits to my family's seven brokerage accounts since I started investing in 2006.  The table below also shows how much each deposit would have grown to had I invested them in a bond that returns 15.73% per year.  You can also manipulate the table below in this spreadsheet.

               Deposits Grew To:

06/11/22 2000 18234.16 <== Into CESA for Child #1
07/04/12 4000 34466.89 <== Into Roth IRA for Spouse
07/04/12 4000 34466.89 <== Into Roth IRA for Me
07/06/26 2000 16723.72 <== Into CESA for Child #1
08/01/02 4000 30997.77 <== Into Roth IRA for Me
08/01/02 4000 30997.77 <== Into Roth IRA for Spouse
08/05/28 5000 36532.86 <== Into Roth IRA for Me
08/05/28 5000 36532.86 <== Into Roth IRA for Spouse
08/06/10 2000 14537.29 <== Into CESA for Child #1
11/02/24 3000 14676.82 <== Into Roth IRA for Spouse
11/08/01 5000 22962.09 <== Into Roth IRA for Me
11/09/23 2500 11240.02 <== Into Roth IRA for Spouse
11/10/17 500 2226.51 <== Into Roth IRA for Spouse
12/01/17 25056.11 107540.86 <== Rollover from 401k into TIRA for Spouse
12/01/20 -10520 -45097.66 <== Rollover to PMCP from Roth IRA for Spouse
12/01/20 -10530 -45140.53 <== Rollover to PMCP from Roth IRA for Me
12/02/28 2000 8440.88 <== Into Roth IRA for Spouse
12/11/05 -2000 -7633.97 <== Withdrawal from Spouse's Roth IRA
12/12/21 2000 7494.68 <== Into Roth IRA for Spouse
13/01/09 1500 5578.42 <== Into Roth IRA for Spouse
13/01/24 1500 5545.02 <== Into Roth IRA for Spouse
13/01/25 97745.61361189.56 <== Rollover from 401k into TIRA for Me
13/02/21 1500 5483.21 <== Into Roth IRA for Me
13/03/04 2000 7278.83 <== Into Roth IRA for Me
13/03/20 1500 5424.27 <== Into Roth IRA for Me
13/03/20 3000 10848.53 <== Into Roth IRA for Me
13/08/30 2000 6775.5 <== Into Roth IRA for Me
13/09/04 1000 3380.98 <== Into Roth IRA for Spouse
13/09/12 1500 5055.25 <== Into Roth IRA for Spouse
13/09/26 500 1675.67 <== Into Roth IRA for Me
13/09/27 2000 6699.98 <== Into Roth IRA for Spouse
13/10/28 1000 3308.67 <== Into Roth IRA for Spouse
13/11/08 2000 6588.27 <== Into CESA for Child #2
13/11/22 2000 6551.45 <== Into CESA for Child #3
13/12/06 2000 6514.84 <== Into CESA for Child #1
14/01/02 2750 8861.6 <== Into Roth IRA for Me
14/03/18 -2491.72-7791.83 <== Into Roth IRA for Spouse
14/07/07 1000 2991.18 <== Into Roth IRA for Spouse
14/07/18 1000 2978.04 <== Into Roth IRA for Spouse
14/09/10 12224.1835625.54 <== Rollover from 401k into TIRA for Spouse
14/10/03 2000 5775.28 <== Into Roth IRA for Spouse
14/10/23 2750 7877.68 <== Into Roth IRA for Me
14/10/23 1500 4296.92 <== Into Roth IRA for Spouse
14/10/23 2000 5729.23 <== Into CESA for Child #2
14/10/23 2000 5729.23 <== Into CESA for Child #3
14/10/23 2000 5729.23 <== Into CESA for Child #1
15/01/02 5500 15313.87 <== Into Roth IRA for Me
15/01/02 5500 15313.87 <== Into Roth IRA for Spouse
16/12/05 3789.74 7963.63         <== Rollover from 401k into TIRA for Me
17/02/02 -6171.88-12666.65     <== Into Roth IRA for Spouse
17/08/23 -11548.89-21860.79   <== Into Roth IRA for Spouse
18/03/02 -11000.03-19289.15     <== Into Roth IRA for Spouse
18/08/23 -2033.93    -3326.63     <== Into Roth IRA for Spouse
19/09/10 33852.59     47497.81    <== Rollover from 401k into TIRA for Spouse
Today's Date: 22/01/03
ROI (annual %): 15.73
Final Balance:            884846.39

Had I invested all the above deposits into a bond returning 15.73% per year, we would have a balance of $884,846.39 today.

The following image summarizes my family's brokerage account balances totaling $884,846.39:


Gold since November 22, 2006 has appreciated 7.28% per year on average.

You can review my March 21, 2021 post to verify the above data through then.  The following link leads to images that show all transactions in all seven accounts since March 21, 2021.  The transactions are all stock buys and sales, but no deposits and no withdrawals:


The following images are numerous, so you can likely get a better view by clicking the above link.















The following two images show the current balances in all seven brokerage accounts:




The share prices that Schwab and TD Ameritrade display do not always match.  So the account values in my spreadsheet are slightly different from the account values that Schwab and TD Ameritrade display.

But the cash balances and share counts in my spreadsheet exactly match the cash balances and share counts that Schwab and TD Ameritrade display.

You can access the folder with all the above images and spreadsheet through this link: